Personal Property…is it covered?

February 18, 2011 at 11:10 AM | Posted in Home | Leave a comment
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While your homeowner’s policy provides excellent coverage, some of your most precious items may have limited coverage.  Valuable items such as diamond rings, silver, and fine arts can take a week’s, month’s or year’s worth of income to purchase, but only a few seconds to be lost due to theft, natural disaster, or other unforeseen events.

A Scheduled Personal Property Endorsement can help.  There are many benefits to this endorsement including:

  • No deductible
  • Coverage provided for mysterious disappearances and breakage
  • Standard homeowner policies cap coverages in these classes

It’s quick and easy to add this endorsement and provides protection for the following types of items:

  • Jewelry – including engagement rings and watches (in and out of the vault)
  • Fine Arts
  • Silverware – including silver plated, gold plated, or pewterware
  • Furs and fur garments
  • Coins – including rare and current
  • Stamps and Stamp Collections
  • Limited Editions – including figurines, books, dolls, plates, antiques, and photographs
  • Hobby Collections – including trading cards, comic books, etc.
  • Musical Instruments
  • Cameras
  • Sports Equipment – i.e. golf clubs
  • Firearms 

If you are not sure what’s worth covering, or how much coverage you need, give us a call at 888-850-9400.  We can help you determine what coverage provides you with the best value.


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